How Does Boat Insurance Protect Me and My Passengers?
Boat insurance typically provides coverage for accidents involving passengers.
If a passenger gets injured while on your boat or should drown, here's how boat insurance may cover you:
Liability Coverage: Boat insurance often includes liability coverage, which can help pay for medical expenses, legal fees, and damages if you're found responsible for an accident that injures a passenger. This coverage can protect you if a passenger decides to sue you.
Medical Payments Coverage: Some boat insurance policies offer medical payments coverage, which can help pay for medical expenses incurred by passengers injured on your boat, regardless of who is at fault. This coverage can help with immediate medical bills.
Uninsured/Underinsured Boater Coverage: If another boater without insurance or with inadequate coverage causes an accident that injures your passengers, your boat insurance's uninsured/underinsured boater coverage may come into play, helping cover your passengers' medical expenses.
Passenger Liability: Boat insurance can also extend liability coverage to passengers, protecting them if they cause injury to others while on your boat.
What if a passenger gets injured water skiing behind my boat?
If a passenger gets injured while water skiing behind your boat, the coverage provided by your boat insurance may still apply, but it can depend on the specific terms and conditions of your policy.
Here's how it might work:
Liability Coverage: Your boat insurance's liability coverage should typically extend to cover injuries to passengers participating in water sports activities, such as water skiing. If the injury occurs due to your negligence or the operation of your boat, your liability coverage may help pay for the injured passenger's medical expenses and legal fees if they decide to sue.
Medical Payments Coverage: Some boat insurance policies include medical payments coverage, which can help with immediate medical bills for injured passengers, regardless of who is at fault. This coverage can be especially beneficial in situations involving water sports injuries.
Coverage Limits: It's important to check the coverage limits and terms of your policy. Make sure that the liability limits are adequate to cover potential injuries and damages that may arise from water skiing accidents.
Ask your Western Financial Group boat insurance expert if you qualify for any discounts for your boat /marine insurance.
Familiarize yourself with boating safety.
Exclusions: Review your policy for any specific exclusions related to water sports activities. Sometimes you may need to purchase additional coverage for high-risk activities.
To ensure you have the appropriate coverage, discuss your specific water sports activities and any potential risks with your Western insurance broker. They can help you understand your policy's terms and recommend any additional coverage you may need to adequately protect both yourself and your passengers while engaging in water skiing or other water sports behind your boat.
Western Financial Group offers a complete set of insurance products and solutions through our licensed sales brokers who are located across Canada. Car, home, many types of recreational vehicles and commercial/business insurance.
